Credit cards

If you have a TSB current account:

Direct Debit

If you have the TSB mobile app you can log in, tap 'credit card account' then 'manage' then select 'set up or manage Direct Debit'. If the payment you've set up is less than the monthly minimum payment due, as shown on your statement, we will still have to take the minimum payment. Having trouble making payments? Visit our money worries support page.

Online if you have a TSB personal current account

Log in to Internet Banking or the TSB mobile app and select 'pay credit card'.

If you don't have a TSB current account, there are 5 ways to pay off your credit card balance:

Direct Debit

You can set up a Direct Debit to pay your monthly minimum payment, full statement balance, or a monthly fixed amount/percentage.

To do this, call Customer Services on 0345 603 0899 or chat to us in the TSB Mobile Banking App. Visit our Credit Card Payments page for more information.

If the payment you've set up is less than the monthly minimum payment due, as shown on your statement, we will still have to take the minimum payment. Having trouble making payments? Visit our money worries support page.

Alternative ways to set up a Direct Debit from a joint account

If you have the mobile app you can log in, tap 'credit card account' then 'manage' then select 'set up or manage Direct Debit'.

Alternatively, if you want to set up a Direct Debit from a joint account that requires two or more signatures, print the Direct Debit mandate and specify the amount you wish to pay – the monthly minimum payment, full statement balance, a monthly fixed amount, or fixed percentage – and post the form to:

TSB, Ingenuity House, Elmdom Trading Estate Bickenhill Lane B37 7HQ

Online

If you're a customer of a different bank, log into your account and make a payment to TSB, by using account number 00000000 and quoting the 16-digit long number from your credit card.

• For long numbers beginning 540242 or 401066, it's sort code 30-28-94.

• All other cards, it's sort code 77-48-31.

Phone

Call your bank, quote TSB account number 00000000 and the 16-digit long number from your credit card.

• For long numbers beginning 540242 or 401066, it's sort code 30-28-94.

• All other cards, it's sort code 77-48-31.

Bank giro credit

Fill in the tear-off slip at the foot of your credit card statement and post it to your own bank. Or post it with a cheque to TSB, Ingenuity House, Elmdom Trading Estate Bickenhill Lane B37 7HQ.

Cheque

Make it payable to TSB Bank plc followed by your 16-digit card number. Please also write your credit card number on the back of the cheque. Post it to TSB, Ingenuity House, Elmdom Trading Estate Bickenhill Lane B37 7HQ. Cheques take around 7 working days to process.

Yes. For security, we'll send your PIN and your card separately. When your card arrives you'll need to sign it before you can start using it. Can't wait? You can use your card even sooner by downloading the TSB app and setting the card up in your digital wallet. The app also makes it easy to get PIN reminders - really useful if you keep forgetting those four little digits.

Yes, you can use your credit card abroad wherever you see the Mastercard logo. A non-sterling transaction fee of 2.95% of the transaction value (in pounds) applies to all transactions when TSB converts a foreign currency into pounds.

A fee of 3% (minimum fee of £3) applies to all cash withdrawals. If you withdraw cash in a foreign currency and TSB converts the foreign currency into pounds, then both the cash withdrawal fee and the non-sterling transaction fee will apply.

Find out more about our current credit cards here.

Our 0% interest period is an introductory offer that starts when you open your account and lasts up to 26 months. During this time, even if you don’t repay your full credit card balance in full each month, you WON’T be charged interest.

The 56 days interest-free period is different to our 0% offer. It’s a permanent feature of your credit card and means that if you pay the full balance on your current and previous statements by their due dates, you won’t be charged any interest for up to 56 days. This only applies to purchases that are shown on your current statement. It does not apply balance transfers or cash withdrawals.

How this works:

This example assumes a minimum payment of 1% of the balance + interest (if you opened your account on or after 31 March 2011, that’s your minimum payment. For accounts opened before that, it’s 2% of the balance or 0.5% + interest, whichever is the greater).

You’ll need to make at least the minimum monthly payment when there’s a balance on your credit card.

Important things to know:

• Your minimum monthly payment is shown on your credit card statement each month.
• Your statement will also tell you the date you need to make that payment by.
• You can see all the ways to repay your credit card here.

By only paying the minimum amount you’ll pay more interest overall. It will also take longer to clear your balance. Paying a little bit more each month, when you can afford it, could make a big difference.

Every statement will show the next date your minimum monthly payment needs to reach your account by. This is your payment due date.

Can I make more than one payment each month? Yes, as long as you pay at least the minimum monthly amount by the payment due date.

Any payments you make before your next statement will go towards repaying the outstanding balance on the last statement you received.

For example, if you owe £750 on a credit card with an interest rate of 24%

For more information on how your payments affect your balance, see FAQ ‘What happens if I don’t pay off the full balance?’

If you don't pay the full balance on your statement, any payments you’ve made will repay the part of your debt with the highest interest rate first. If the payment covers all your highest interest debt, it’ll then pay the part of the balance with the next highest interest rate. This continues until it pays off the part of your balance with the lowest interest rate.

Yes. If you need to, you can change when your monthly payments are due to a date that suits you better. To do this, you can:

Use the TSB Mobile App

The fastest and easiest way is with the TSB Mobile App, here’s how:

1. Log into your account
2. Tap into your credit card account
3. Tap on ‘Manage’
4. Select ‘Change payment date’
5. Follow the instruction on screen

Other ways

• Call us on 0345 835 3846, lines are open from 8am to 8pm, 7 days a week
  
• Or visit us in branch

Purchases

You won’t be charged interest on new purchases when you pay the full balance shown on your previous and current statement on time.

If you don’t make the full payment, interest is charged from the date the purchase is debited to your account until it’s paid in full.

Cash withdrawals

Interest is always charged on cash withdrawals from the date the withdrawal is debited to your account until it’s paid in full.

Balance transfers

If you have a promotional offer for balance transfers, you won’t be charged interest on this balance during that offer period.

If you don’t have a promotional offer, interest is charged from the date the balance transfer is debited to your account until it’s paid in full.

If your promotional offer has ended, interest is charged from the day after the promotional rate expires until your balance is paid in full.

No, we don’t charge a fee if you go over your credit limit, or you don’t make your minimum payment.

It’s important to note that:

• Missing payments or exceeding your credit limit will affect your credit file and make it more difficult to borrow money in the future.
• You may lose any promotional rates that apply to your account.

Money worries?

If you’re struggling with repayments, or your borrowing is getting difficult to manage, don’t put off talking to us so we can understand how best to help you. Visit our Money Worries page for ways we can help you.